South Carolina Cyber Liability Insurance

CSP Insurance Services was founded in 1939, when Clifford Cormell joined Earnest Streett to sell insurance in Florence. More than 80 years later, we still answer the phone ourselves. No call centers, no chatbots — just a local team that knows your name and your policy.

We compare several carriers to find a policy that fits you, not one company's products.

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80+ years local experience

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A ransomware attack shut down a dental practice in Myrtle Beach for nearly two weeks last year. The owner had general liability insurance, a solid business owner's policy, and zero cyber coverage. The total cost of the breach: north of $180,000 between forensic investigation, patient notification, regulatory fines, and lost revenue. That practice is still recovering financially. Stories like this are becoming disturbingly common across the state, and they highlight why South Carolina business owners need to understand cyber liability insurance, including what it covers, how much they need, and what state law actually requires. If you run a business that touches customer data in any form, this is the guide you need.

The Growing Need for Cyber Insurance in South Carolina

South Carolina has seen a sharp rise in cyberattacks targeting small and mid-sized businesses. Restaurants in Florence processing credit cards, healthcare providers in Columbia storing patient records, manufacturers in Rock Hill managing supply chain data: they're all targets now. The threat isn't theoretical. Over 1.1 million South Carolinians were affected by data breaches in just the first six months of 2026, involving 41 separate businesses.


The financial damage from these incidents goes well beyond IT repair bills. Businesses face legal liability, regulatory scrutiny, and reputational harm that can take years to overcome. Cyber liability coverage has shifted from a "nice to have" to a core part of any serious risk management strategy.

Understanding the SC Data Breach Security Act

South Carolina's Insurance Data Security Act, modeled after the NAIC's model law, requires insurance licensees to maintain a written information security program. But the state's breach notification law applies much more broadly. Any business or person conducting business in South Carolina that owns or licenses computerized data containing personal information must notify affected residents if that data is compromised.


The law covers Social Security numbers, driver's license numbers, financial account numbers, and other identifying data. Businesses that fail to follow South Carolina's cybersecurity notification laws face penalties enforced through the state attorney general's office and the Department of Consumer Affairs. The statute doesn't mandate cyber insurance specifically, but the financial exposure it creates makes coverage a practical necessity.

Common Cyber Threats Facing Local Businesses

Ransomware remains the top threat for SC businesses, particularly in healthcare and professional services. Attackers encrypt your files and demand payment, typically between $10,000 and $250,000 for small businesses, to restore access.


Phishing emails account for roughly 90% of initial breach vectors. An employee clicks a link, enters credentials on a fake login page, and suddenly an attacker has access to your entire network. Business email compromise (BEC) scams, where attackers impersonate a vendor or executive to redirect wire transfers, have driven cybercrime losses higher across the state. Point-of-sale malware also continues to hit restaurants and retail operations, especially those running outdated systems.

Your CSP agent

Lawson Walker, CIC

Insurance Sales

CSP Insurance Services is a fully licensed independent insurance agency serving individuals, families, and businesses across South Carolina.

From our home in Florence, we proudly serve clients in Florence, Myrtle Beach, Rock Hill, Columbia, and communities throughout South Carolina. As an independent Trusted Choice agency, our team works with a wide range of top-rated carriers to provide personal and commercial coverage — home, auto, business, life, and more — tailored to the real needs of the people and businesses we protect.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Feature Admitted (Standard) Carriers Non-Admitted (E&S) Carriers
State regulation Fully regulated; rates filed with state Exempt from rate filing; flexible pricing
Guaranty fund protection Yes: state fund covers claims if carrier fails No: no guaranty fund backstop
Policy forms Standardized (ISO forms common) Manuscript or custom forms
Risk appetite Prefers low-to-moderate risk Accepts high-risk and unusual exposures
Premium cost Generally lower Typically 20-75% higher
Surplus lines tax Not applicable Buyer pays state surplus lines tax (varies 2-5%)
Speed of placement Standard timelines Can be faster or slower depending on complexity

Businesses increasingly rely on portable tech: laptops, tablets, external drives, and mobile servers. A computer equipment floater covers these items when employees take them off-site, whether that's a sales rep carrying a laptop to a client meeting in Columbia or a nonprofit transporting presentation equipment to a fundraiser. Some policies even cover the cost of data restoration, which can be more expensive than the hardware itself.

What Cyber Liability Insurance Actually Covers

Cyber liability policies split into two main categories: first-party and third-party coverage. Think of first-party as protecting your business directly, and third-party as covering your liability to others. Most policies bundle both, but the specific sub-limits and exclusions vary wildly between carriers.

First-Party Coverage: Protecting Your Own Assets

First-party coverage pays for the costs your business incurs directly after a cyber event. This typically includes:


  • Forensic investigation: Hiring specialists to determine how the breach occurred and what data was exposed
  • Business interruption: Lost income during downtime caused by the attack
  • Data restoration: Costs to recover or rebuild corrupted databases and systems
  • Ransom payments: Reimbursement for ransomware payments (though insurers increasingly require pre-approval)
  • Crisis management: Public relations support and credit monitoring for affected customers
  • Notification costs: Printing, mailing, and call center expenses to notify affected individuals


A single breach notification campaign for 5,000 affected customers can cost $25,000 to $40,000 in postage, printing, and credit monitoring alone. First-party coverage handles that.

Third-Party Coverage: Legal and Liability Protection

Third-party coverage kicks in when someone else sues you or a regulator comes knocking. This includes defense costs and settlements from lawsuits filed by customers whose data was compromised, regulatory fines and penalties (where insurable by law), and liability arising from failure to protect third-party data.


If a healthcare practice in Columbia exposes patient records and faces a HIPAA enforcement action alongside a class-action lawsuit, third-party cyber coverage responds to both. Without it, you're paying defense attorneys $300 to $500 per hour out of pocket.

Comparison: General Liability vs. Cyber Liability Insurance

One of the most common mistakes business owners make is assuming their general liability or business owner's policy covers cyber incidents. It almost never does. Here's how they differ:

Feature General Liability Cyber Liability
Bodily injury claims Covered Not covered
Property damage Covered (physical) Not covered
Data breach costs covered Covered
Ransomware payments Not covered Covered
Business interruption (cyber) Rarely covered Covered
Regulatory fines Not covered Covered (where insurable)
Customer notification Not covered Covered
Cyber extortion Not covered Covered

Some BOP policies now include a small cyber endorsement, maybe $25,000 to $50,000 in coverage. That sounds helpful until you realize the average cost of a data breach for a small business runs $120,000 to $200,000. An endorsement that small is like putting a band-aid on a broken arm.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Feature Admitted (Standard) Carriers Non-Admitted (E&S) Carriers
State regulation Fully regulated; rates filed with state Exempt from rate filing; flexible pricing
Guaranty fund protection Yes: state fund covers claims if carrier fails No: no guaranty fund backstop
Policy forms Standardized (ISO forms common) Manuscript or custom forms
Risk appetite Prefers low-to-moderate risk Accepts high-risk and unusual exposures
Premium cost Generally lower Typically 20-75% higher
Surplus lines tax Not applicable Buyer pays state surplus lines tax (varies 2-5%)
Speed of placement Standard timelines Can be faster or slower depending on complexity

Determining Your Policy Limits and Requirements

Choosing the right limits requires an honest assessment of your exposure. A sole proprietor running a consulting firm has different needs than a medical practice with 10,000 patient records.

How Much Coverage Does a SC Small Business Need?

Most small businesses in South Carolina should carry at least $500,000 to $1 million in cyber liability coverage. Businesses handling sensitive data like healthcare providers, financial services firms, and legal practices should consider $1 million to $5 million.


Here's a rough framework: count the number of customer or patient records you store, then multiply by $150 to $200 per record. That gives you a ballpark for your breach exposure. A restaurant with 3,000 stored credit card numbers faces roughly $450,000 to $600,000 in potential costs. A healthcare provider with 15,000 patient records could be looking at $2 million or more.

Factors That Influence Your Annual Premium

Premiums for cyber coverage in South Carolina typically range from $1,000 to $7,500 annually for small businesses, depending on several factors:


  • Industry type (healthcare and financial services pay more)
  • Annual revenue
  • Number of records stored
  • Security measures in place (MFA, encryption, employee training)
  • Claims history
  • Policy limits and deductible chosen


Businesses with multi-factor authentication, regular employee phishing training, and encrypted data storage often qualify for 10% to 20% premium discounts. An independent agency like CSP Insurance Services can compare quotes across multiple carriers to find the right balance of coverage and cost, which matters when premiums vary this much from one insurer to the next.

Specialty Lines: Flood, Earthquake, and Valuable Items

Flood insurance is a separate policy, typically written through FEMA's National Flood Insurance Program or a private carrier. If your home sits in a designated flood zone anywhere along the SC coast or near inland rivers, your mortgage lender will require it. But even homes outside mapped flood zones can flood: roughly 25% of flood claims come from properties in low-to-moderate risk areas.


Earthquake coverage is less common in South Carolina, but the state sits near the Charleston fault zone, which produced a magnitude 7.3 quake in 1886. A rider or standalone earthquake policy is worth considering if you're in the Lowcountry.


Scheduled personal property endorsements cover high-value items like jewelry, art, firearms, or musical instruments that exceed standard policy sub-limits. Most homeowners policies cap jewelry coverage at $1,500-$2,500 per item. If your engagement ring is worth $8,000, you need a scheduled endorsement or inland marine floater to cover the difference.

South Carolina Regulatory Compliance and Reporting

Getting the insurance is only half the equation. You also need to understand your legal obligations when a breach occurs.

Notification Timelines for Affected Residents

South Carolina law requires businesses to notify affected residents "in the most expedient time possible and without unreasonable delay." There's no hard statutory deadline like the 72-hour window in some states, but regulators interpret this as roughly 30 days in practice. Dragging your feet beyond that invites enforcement action.


Notification must be in writing, sent to the last known address of each affected individual. If more than 1,000 residents are affected, you must also notify the SC Department of Consumer Affairs and all major consumer reporting agencies. Your cyber policy's breach response team typically handles this entire process, which is one of the most valuable parts of the coverage.

Working with the SC Department of Consumer Affairs

The Department of Consumer Affairs maintains a public log of breach notifications and actively monitors business compliance. They've become more aggressive about follow-up in recent years, particularly after more than 1.1 million South Carolinians were impacted by security breaches in the first half of 2026.


If you experience a breach, your first call should be to your cyber insurer's incident response hotline, not your IT guy. The insurer assigns a breach coach, typically an attorney who coordinates forensics, legal compliance, and notifications. This structured response is what keeps businesses from making costly mistakes during a crisis.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Feature Admitted (Standard) Carriers Non-Admitted (E&S) Carriers
State regulation Fully regulated; rates filed with state Exempt from rate filing; flexible pricing
Guaranty fund protection Yes: state fund covers claims if carrier fails No: no guaranty fund backstop
Policy forms Standardized (ISO forms common) Manuscript or custom forms
Risk appetite Prefers low-to-moderate risk Accepts high-risk and unusual exposures
Premium cost Generally lower Typically 20-75% higher
Surplus lines tax Not applicable Buyer pays state surplus lines tax (varies 2-5%)
Speed of placement Standard timelines Can be faster or slower depending on complexity

Common Questions About South Carolina Cyber Insurance

FAQ: Do I really need this if I use cloud storage?

Yes. Cloud providers like AWS and Microsoft Azure are responsible for securing their infrastructure, but you're responsible for securing your data within it. If an employee's compromised credentials give an attacker access to your cloud-stored customer data, that's your breach, not Amazon's.

FAQ: What is the average cost for a small SC business?

Most small businesses in South Carolina pay between $1,200 and $5,000 per year for $500,000 to $1 million in coverage. Restaurants and retail tend to fall on the lower end; healthcare and financial services pay more. CSP Insurance Services regularly helps SC businesses compare quotes across carriers to find competitive pricing without sacrificing coverage quality.

FAQ: Does it cover social engineering or phishing scams?

Many policies now include social engineering coverage, but it's often a separate endorsement with its own sub-limit, typically $25,000 to $100,000. If an employee wires $50,000 to a fraudster posing as your CEO, this endorsement responds. Always confirm it's included and check the sub-limit.

FAQ: How fast does the policy pay out after a breach?

Most insurers begin deploying resources within 24 to 48 hours of a reported incident. The breach response team, forensic investigators, and legal counsel are typically engaged immediately. Actual financial reimbursements for covered costs follow within 30 to 60 days of claim submission, though emergency funds for ransomware situations can move faster.

FAQ: Does SC law require me to have this insurance?

No. South Carolina does not mandate cyber liability insurance for most businesses. The state does require compliance with breach notification laws and data security standards, and the financial penalties for non-compliance make insurance a smart investment even without a legal mandate. Some industries, like healthcare, have federal requirements that effectively make coverage essential.

Specialty Lines: Flood, Earthquake, and Valuable Items

Flood insurance is a separate policy, typically written through FEMA's National Flood Insurance Program or a private carrier. If your home sits in a designated flood zone anywhere along the SC coast or near inland rivers, your mortgage lender will require it. But even homes outside mapped flood zones can flood: roughly 25% of flood claims come from properties in low-to-moderate risk areas.


Earthquake coverage is less common in South Carolina, but the state sits near the Charleston fault zone, which produced a magnitude 7.3 quake in 1886. A rider or standalone earthquake policy is worth considering if you're in the Lowcountry.


Scheduled personal property endorsements cover high-value items like jewelry, art, firearms, or musical instruments that exceed standard policy sub-limits. Most homeowners policies cap jewelry coverage at $1,500-$2,500 per item. If your engagement ring is worth $8,000, you need a scheduled endorsement or inland marine floater to cover the difference.

Making the Right Choice for Your Business

The reality for South Carolina businesses is straightforward: cyber risk isn't going away, and the costs of an uninsured breach can be devastating. A $3,000 annual premium looks very different next to a $180,000 breach response bill.


Start by assessing what data you store and how many records you maintain. Talk to an independent agent who can pull quotes from multiple carriers and explain the differences in coverage terms, not just price. The cheapest policy isn't always the best, especially if it excludes social engineering, has a 72-hour waiting period on business interruption, or caps breach response at $10,000.


If you're ready to get specific numbers for your business, request a quote from CSP Insurance Services. Their team has been helping South Carolina businesses find the right coverage since 1939, and they'll walk you through exactly what you need without pushing a one-size-fits-all policy. Your business deserves protection that actually fits.

About the author

Lawson Walker, CIC

I'm proud to be part of an agency that's served Florence since 1939. CSP Insurance Services started as Cormell-Streett & Patterson, built by people who believed insurance should be personal — and more than eight decades later, that conviction still drives everything we do. Commitment, Service, Protection isn't just what CSP stands for; it's how I approach every client relationship.


As an independent, Trusted Choice agency, we aren't tied to any single carrier. That means I work for you — shopping multiple companies to match you with coverage that actually fits your family, your business, and your budget. No call centers, no chatbots. Just a local expert who takes the time to understand what matters to you and stands by you when it counts.


Whether you're protecting your home, your car, or a business you've spent years building, I'd be glad to help you find the right coverage.

We compare several carriers to find a policy that fits you, not one company's products.

◆

80+ years local experience

1939

Serving SC

Meet Richard

Most Requested

Core business coverage.

The policies most South Carolina businesses start with.

Commercial Property

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Workers Compensation

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Commercial Auto

Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.

General Liability

Accidents happen on the job and on your property. General liability covers third-party injury and property damage claims against your business.

Inland Marine

Tools, equipment, and goods on the move aren’t covered by standard property policies. Inland marine protects them wherever they travel.

Business Owners (BOP)

A business owners policy bundles property and liability coverage into one package, often at a better price for small businesses.

We compare several carriers to find a policy that fits you, not one company's products.

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80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Personal Insurance

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Protect what matters most with personal policies shopped across our carriers.

Home

Your house is likely your largest investment. Home insurance helps rebuild after covered damage and protects you from liability.

Auto

South Carolina drivers need real protection. Auto coverage handles liability, collision, medical costs, and uninsured drivers.

Umbrella

When a serious claim climbs past your home or auto limits, umbrella coverage adds an extra layer of liability protection.

Boat

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

Condo

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

We compare several carriers to find a policy that fits you, not one company's products.

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80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Condo

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Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

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Industries We Serve

Specialized coverage for your industry.

Every industry carries its own risk. We help South Carolina businesses protect what they've built.

Restaurants

Kitchens, customers, and staff create daily exposure. We protect your property, equipment, liquor liability, and employees.

Manufacturers

From equipment breakdown to product liability, manufacturers face risk on the floor and beyond. We help cover property, machinery, and goods.

Healthcare Providers

Practices and clinics carry patient, property, and professional risk. We help cover liability, equipment, and the people who run your practice.

We compare several carriers to find a policy that fits you, not one company's products.

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80+ years local experience

1939

Serving SC

Commercial Property

Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.

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Commercial Auto

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Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.

How It Works

Getting covered is simple.

Four steps, one real person from start to finish.

Tell us about you

Share a few details about what you need to protect. A real person reviews it.

We compare carriers

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We recommend coverage

We walk you through the policy in plain language and answer every question.

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Sign with confidence — and we stay on for changes, claims, and yearly reviews.

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Multi-carrier choice

Claims advocacy

When a claim happens, we stand in your corner and help move it forward with your carrier.

Local SC roots

We live and work in Florence and understand the risks your community faces because we face them too.

Client Reviews

Why clients choose CSP.

Independent advice, real people, and decades of local roots.

We compare several carriers to find a policy that fits you, not one company's products.

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80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Condo

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Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

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FAQs

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Straight answers about working with an independent agency.

  • What does an independent insurance agency do?

    An independent agency represents several carriers instead of one. We compare coverage and pricing across companies, then recommend the policy that fits you best.

  • Do you cover both personal and business insurance?

    Yes. CSP writes personal lines like home and auto, and commercial lines for businesses across South Carolina.

  • How long has CSP been in business?

    CSP traces its roots to 1939, with more than 80 years serving South Carolina families and businesses.

  • Will I work with a real person?

    Always. No call centers and no chatbots — you work with a local team member who knows your account.

  • Which areas do you serve?

    We’re based in Florence and serve clients statewide, including Myrtle Beach, Rock Hill, and Columbia.

  • How do I get a quote?

    Request a quote online, call us, or stop by the office. A real person will review your needs and follow up.

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We compare several carriers to find a policy that fits you, not one company's products.

◆

80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Condo

Get a Quote

Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

Get a Quote

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2420 Hoffmeyer Road, Suite D
Florence, SC 29501

Mon–Fri 8:30am – 5:00pm